Commercial Auto Insurance in Massachusetts

If you run a business in Massachusetts and use vehicles—whether for deliveries, visiting clients, or hauling equipment—commercial auto insurance is not only required by law, but also helps protect your business from big problems. With heavy traffic, snowy weather, and lots of construction, driving in Massachusetts can be risky, and the right insurance can keep your business moving forward.

Let’s break down what commercial auto insurance is and who really needs it.

What is Commercial Auto Insurance in Massachusetts?

Commercial auto insurance is a specialized type of insurance for vehicles used for business purposes. It differs from personal auto insurance because it covers the additional risks associated with using a car, truck, or van for business purposes, such as delivering products, visiting job sites, or transporting tools and equipment.

If your vehicle is used for more than just getting to and from work, if it’s owned or leased by the company, or if employees drive it for work, you probably need commercial coverage. Even if driving is not a core function of your business, commercial auto insurance is often still necessary. A good rule to follow: if the vehicle helps you do your job, it likely needs commercial auto insurance. It’s also important to make sure that all drivers of your vehicle(s) are listed under the policy.

With GEICO’s Commercial Auto insurance, policyholders can also drive vehicles for personal use without needing a separate policy.

Who Needs Commercial Auto Insurance in Massachusetts?

Commercial auto insurance isn’t just for big trucks or delivery vans—lots of jobs need it. If you use a vehicle for business purposes, personal auto insurance may not cover accidents or damages, leaving you with the possibility of being unprotected if something goes wrong. Here are some jobs that usually need commercial auto insurance:

• Electricians, Plumbers, and HVAC Workers: They drive to job sites with tools and materials in their vans or trucks.
• Carpenters, Painters, and Contractors: These workers move equipment and supplies between job locations.
• Landscapers and Snow Plow Services: They use specialized trucks and often pull trailers or utilize heavy equipment.
• Caterers and Food Vendors: These businesses use vehicles to bring food and supplies to events.
• Long-haul Trucking: Long-distance drivers carry valuable cargo and must follow strict safety rules.
• Real Estate Agents and Salespeople: Even if they use their own cars, they often drive extensively for business and need extra coverage.
• Main Street Retailers that make deliveries
• Restaurants that deliver

Minimum Massachusetts Commercial Auto Insurance Requirements

Personal Injury Protection (PIP) Requirements in Massachusetts

Massachusetts is a no-fault state, which means that if someone is hurt in a car accident, their own insurance helps pay for medical bills and other costs, no matter who caused the crash. Because of this, Personal Injury Protection (PIP) is required for commercial auto insurance in the state.

Businesses must have at least $8,000 in PIP coverage for each person hurt in an accident. PIP helps cover expenses like medical care, lost wages, and other necessary services. This is different from Medical Payments coverage, which only helps pay for medical bills and doesn’t include things like lost income.

FMCSA and USDOT Compliance in Massachusetts

The FMCSA (Federal Motor Carrier Safety Administration) and USDOT (United States Department of Transportation) are government agencies that help regulate commercial vehicles to keep roads safe. If a business in Massachusetts uses vehicles for transporting goods or operates certain types of large or heavy vehicles, it may be required to have a USDOT number and must comply with FMCSA rules.

Commercial auto insurance plays a key role in staying compliant with these regulations by providing the required liability coverage and helping businesses meet minimum safety and financial responsibility standards. Having the right insurance helps Massachusetts business owners avoid fines, operate legally, and protect their operations.

Optional Commercial Auto Coverages & Add-Ons in Massachusetts

When you get commercial auto insurance from GEICO, the basic policy includes important coverages like liability (if you hurt someone or damage their property), medical payments, collision, comprehensive, and protection against uninsured or underinsured drivers. These coverages help protect your business if your work vehicles are involved in an accident, damaged, or cause harm to others.

In Massachusetts, however, there are certain coverages that the law requires every business to have. These include features such as Personal Injury Protection (PIP) and specific minimum coverage amounts. GEICO includes these in every Massachusetts policy to make sure you meet all legal, state-wide requirements. You can also choose extra options, like higher coverage limits or roadside help, to better fit your business needs, but the state-required coverages are always included by law.

Standard Commercial Auto Insurance Coverages in Massachusetts

GEICO’s commercial auto insurance includes a mix of coverages that help protect your business vehicles from many kinds of problems, like crashes, bad weather, and theft. These coverages help pay for expenses such as repairs, medical bills, or even lawsuits if something serious happens on the road. Here’s what’s usually included in a standard GEICO commercial policy:

• Liability Coverage: Pays for injuries or damage you cause to other people or property.
• Collision Coverage: Covers damage to your vehicle if you hit something or are in a crash.
• Comprehensive Coverage: Pays for things like theft, vandalism, or weather damage.
• Medical Payments Coverage: Helps pay medical bills for you and your passengers after an accident.
• Uninsured/Underinsured Motorist Coverage: Protects you if another driver doesn’t have insurance coverage.

Massachusetts-Specific Commercial Auto Coverage Requirements

Massachusetts has specific rules for commercial auto insurance that all businesses must comply with. These rules help make sure there's enough money available to cover damage or injuries in the event of an accident.

As of July 1, 2025, the state requires minimum coverage limits of $25,000 per person and $50,000 per accident for bodily injury liability, $25,000 per person and $50,000 per accident for bodily injury caused by uninsured autos, and $30,000 per accident for property damage liability. Additionally, PIP coverage of $8,000 per person is compulsory.

These rules are in place to help cover costs after an accident and to protect both your business and other drivers on the road.

Types of Vehicles Covered in Massachusetts

Commercial auto insurance in Massachusetts helps protect a wide range of vehicles used for business, including delivery vans, service trucks, and even personal cars used for work purposes. Each type of vehicle has its own risks, so insurance can be customized to match your specific business uses. Here are some common vehicles that commercial auto insurance can cover:

• Business Vehicles – Cars, pickup trucks, or SUVs used for deliveries or running errands.
• Contractor Vehicles – Work vans or trucks used to carry tools and equipment.
• Delivery & Service Vehicles – Vehicles used for things like delivering goods or fixing appliances.
• Food Trucks & Restaurant Vehicles – Food trucks, catering vans, and vehicles used for food delivery are protected against physical damage and damage to permanently attached equipment. However, food spoilage, foodborne illness, product liability (e.g., hot beverages), equipment breakdowns, and allergic reactions are not covered. Food-related illnesses fall under General Liability, since the customer is considered “injured” by the business.
• Heavy Trucks: Big vehicles like tractor-trailers, dump trucks, box trucks, flatbeds, and cargo & freight.
• Owner-Operator Trucks: Trucks or vans that are run by independent drivers, even if leased to a company.
• Non-Trucking Liability: Covers trucks when they aren’t hauling anything or working.
• Specialty Vehicles: Unique vehicles like refrigerated trucks or buses.

Factors Affecting the Cost of Massachusetts Commercial Auto Insurance

Thanks to smart state regulations and a competitive market, the average cost of commercial auto insurance is notably lower in Massachusetts compared to the national average. However, your business’s exact rate depends on several things. Here are some of the main factors that can affect how much you’ll pay:

• Type of Work You Do – Jobs like delivery or construction may cost more to insure because of extra driving or dangerous materials.
• Type of Vehicle – Bigger or special-use vehicles (like box trucks or food trucks) are more expensive to insure.
• Driving History – If your drivers have clean records, you’ll likely pay less. Accidents or tickets can raise your rate.
• How Far You Drive – If your vehicle travels long distances or goes through busy areas, your costs may increase.
• Coverage Amounts – More coverage means better protection, but it also raises your premium. Choosing the lowest legal limits costs less but offers less protection in the event of a serious accident.

No matter your budget, GEICO offers flexible payment plans to help find coverage that works for you.

How to Save on Commercial Auto Insurance in Massachusetts

Even though insurance in Massachusetts is typically less expensive than in other states, GEICO still offers numerous ways to save even more. From bundling policies to being a safe driver, there are many discounts that can help lower your bill.

Here are some popular ways to save with GEICO:

• Pay-in-Full – Pay your bill all at once to skip extra fees.
• DriveEasyPro Rewards and Savings: A telematics program that can reward you with lower rates for safe driving. Designed to help you understand your driving habits and how you can improve your behaviors to unlock savings.
• Bundle Policies – If you combine your commercial auto insurance with other GEICO policies—like property or workers' compensation—you can get a discount. Note: If you combine Business Owner's Policy (BOP) or General Liability (GL) coverage, these are handled by partner carriers.
• Vehicle Safety Features – If your car has things like airbags or anti-lock brakes, you may qualify for a discount.
• Clean Driving Record – Safe drivers often pay less for insurance.
• Military Discount – Active-duty, retired military, and National Guard or Reserve members may be eligible for a discount.

Why Choose GEICO for Massachusetts Commercial Auto Insurance?

If you own a business in Massachusetts, you have lots of choices for commercial auto insurance—so why pick GEICO?

GEICO stands out because it handles claims quickly and smoothly, which means less time your business is off the road after an accident. GEICO also covers all kinds of vehicles, from cars and vans to trucks and special vehicles, making sure every vehicle is protected. Plus, GEICO lets you customize your policy so you get the right coverage for your business without paying for things you don’t need.

How to Get a Massachusetts Commercial Auto Insurance Quote from GEICO

Having the right commercial auto insurance helps protect your business from big repair bills or lawsuits if something goes wrong. GEICO makes it easy to get the coverage you need. You can get a free commercial auto insurance quote online or over the phone in just a few minutes. Don’t wait for a problem to happen—get started today and keep your business rolling safely!